Diversified Consultants, Inc

2018-12-13

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Greetings, I have previously contacted Diversified Consultants informing the company that I have been a victim of identity theft/fraud. Diversified Consultants are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Diversified Consultants to follow the law, they clearly feel as though the law does not apply to them. Remove the Derogatory account. Please and Thank you
Company Response: Closed with non-monetary relief

Timely Response

2018-12-13

Rochester, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-13

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed
Company Response: Closed with non-monetary relief

Timely Response

2018-12-13

Green Valley, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-12-13

Austin, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: DIVERSIFIED CONSULTANTS has been harassing me for years over my XXXX phone bill from XX/XX/XXXX. Granted the collection is past due and is a little over a thousand dollars in total. Now the reason I refuse to pay the debt is because I was XXXX XXXX almost the whole year of XX/XX/XXXX. During that year my phone through XXXX was broken and my service I'm assuming ended. Ive told this company to stop harassing me with phone calls and " attmepts to collect a debt ''. All its doing is traumatizing me and negatively affecting my credit! I want this collection removed and I want to be left alone
Company Response: Closed with non-monetary relief

Timely Response

2018-12-13

Leary, GA

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Closed with non-monetary relief

Timely Response

2018-12-12

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-12-12

Liverpool, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have reached out to this company with no resolution, this account does not belong to me it is also reporting a address I have never lived at.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-12

Rose Hill, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-12-12

San Antonio, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Per review of XXXX credit report from XX/XX/2018 I discovered an outstanding account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
Company Response: Closed with explanation

Timely Response

2018-12-12

Clifton, SC

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-12-11

Lake Charles, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had a contract with XXXX after the contract ended I kept paying on a month to month for $ 25 month for a second line. I paid my bill and they tried to say I did not and charged me {$120.00} which was not on my month to month. I sent them the receipts and called them several times over the years I have disputed this bill each year and have told the collection companies what happened. I wish that someone can stop them I don't owe anything on this bill. I wish they stop selling it to all these different companies because they are not getting anymore money the bill was paid in full.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-11

Elmhurst, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-12-11

San Bernardino, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-12-11

Greensboro, NC

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Complaint: this company DIVERSIFIED CONSULTANT keeps calling all day, & all night, and i told them they have wrong person, and they refuse to really identify themselves. I told them no sales please, & remove my number. een informed them im on donotcall list. this is beyond harassment. they need to be handled. they curse, they threaten me. bullys.
Company Response: Closed with explanation

Timely Response

2018-12-11

Fithian, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Early XXXX I was looking over my credit report when I saw an unidentified inquiry of {$290.00} that came from the Diversified Consultants Inc. When I look further into it was stated that the original lendor came from XXXX ; The collection agency stating that I had never fulfilled a past due balance with XXXX. However I knew that the what they were informing me of was false because early 2018 I switched my current plan over with XXXX to a pre-paid plain with XXXX. I wouldn't be able to switch over my current plan to a pre-paid plain with XXXX if I had such an outstanding balance with XXXX. I requested that this collection agency to provide me with proof of the original contract of me being obligated to pay such a balance and they failed to provide me with proof. When I spoke with one of the representatives from the collection agency his exact words were " we do not have to provide you with proof you would have to speak with XXXX to get access to about obtaining that information ''. Shortly after I spoke with him I filed indentity theft report with the Federal Trade Commission, I filed a police report at the XXXX police department where I spoke with officer XXXX badge # XXXX police report # XXXX, and I also mailed a general affidavit for them to provide me with an original copy of the contract which they still failed to provide me with the info I requested. which if I'm not mistaking goes against the fair credit reporting, Section 609 ( a ) ( 1 ) ( A ).
Company Response: Closed with non-monetary relief

Timely Response

2018-12-10

Pardeesville, PA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This collection company call a lot of time, and in 2 ocasion i tell them, this amount is incorrect, but they said i have to pay, this = is what i old, i said not i old like XXXX why i have to pay {$440.00}, i want to dispute this, they said i can't this dispute this amount, that the only think i have to do is pay the XXXX i say no,,, i want to dispute this amount, and they reduce with a very bad behavior and rude. THe have now report this to all credit berue even without letting me dispute this, of give me the opportunity to dispute this amount. Also this deb company call for a lot diferente phone number, and use tactic like, can you put XXXX on phone, if i said is not here, the said this i a debt collection calling for XXXX on deb she have from XXXX, even if they don't know who pick the phone, my husband take the phone few time and they give information without permission, also the call saturday and sundays, and call a lot of time so when my husband pick the phone they hangoff..like XXXX to a woman to pick the phone guessing it is me.
Company Response: Closed with explanation

Timely Response

2018-12-10

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-12-09

Mechanicsville, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-12-08

Dulac, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018, I starter receiving calls from Diversified Consultants and the representative was XXXX XXXX from phone number ( XXXX ) XXXX stating about a debt that they claimed I owe for a XXXX bill that I never had in my name. However, I sent in a verfication letter from them that same day inquiring about the bill and requested that they send me something with my valid signature proving that I had some type of legal ties to them via certified letter. In receiving the letter, they sent me a bill which still to this day havent provided me with valid signature. Considering that this business does not have a contract with me for goods or services, nor have they provided me adequate proof therefore I am not obligated to pay this debt.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-07

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. DIVERSIFIED HAS NEVER CONTACTED ME REGARDING THE ACCOUNT IN THE AMOUNT OF {$1100.00} AND HAS NEVER GIVEN ME THE RIGHT TO DISPUTE THE ALLEGED ACCOUNT. I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED NOR ANY COMPANY THAT THEY REPRESENT.
Company Response: Closed with explanation

Timely Response

2018-12-07

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have repeatedly tried to fix this problem with Diversified Consultant. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
Company Response: Closed with explanation

Timely Response

2018-12-07

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX was the culprit, paid over {$1800.00} in cancellation fees and charged {$270.00} additionally for free useless phone ( motos ) which was automatically charged onto my credit card. Then they even place me into collection, I contacted them several times regarding this, the very last call they told me to pay additional {$7.00} processing fee that would resolves this issue, apparently this is fraud tactic that they use to start collecting in increments and charging my credit card. As of today, they done nothing to help resolve this issue.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-06

Lithia Spgs, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-12-05

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have repeatedly tried to fix this problem with Diversified Consultants. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested.
Company Response: Closed with explanation

Timely Response